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All Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam JURNAL PENDIDIKAN TAMBUSAI Sketsa Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Al Hurriyah : Jurnal Hukum Islam Publica: Jurnal Pemikiran Administrasi Negara Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Didaktik : Jurnal Ilmiah PGSD STKIP Subang jurnal syntax admiration Al-Sharf: Jurnal Ekonomi Islam JURNAL ILMIAH GLOBAL EDUCATION Journal of Islamic Economics, Management, and Business (JIEMB) Legal Protection for the Partnership Agreement Parties Islam Realitas: Journal of Islamic and Social Studies EKONOMIKA SYARIAH : Journal of Economic Studies ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Proceedings of The International Conference on Business and Economics Indonesian Research Journal on Education Jurnal Ekonomi dan Bisnis Adpebi Science Series COSMOS Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) Risalah Iqtisadiyah Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Iiz Izmuddin
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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What Factors Should Muzakki Know Before Paying Zakat Kiki Razroma Yantika; Iiz Izmuddin; Widi Nugraha
Proceeding of The International Conference on Business and Economics Vol. 2 No. 2 (2024): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbeuntagsmg.v2i2.2129

Abstract

The purpose of this research is to see what factors must be known by muzakki before paying zakat. The method of this research is This research is a type of literature research; This means that the information materials used come from library sources in the form of books, encyclopedias, magazines, journals, newspapers, journals, and others (Sutrisno Hadi 1987). The form of this research is descriptive, analytical, and critical. Therefore, the author can comprehensively describe what factors must be known by the muzakki before paying zakat. In this study, the author optimally uses two data sources related to this research, namely. Primary data sources and secondary data sources. The main sources of this research are books and scientific journals on factors that can affect muzakki. The result of this research is that trust will be obtained when a person feels comfortable in communicating, and other things, and when they can see firsthand the practice that their opponent is doing. Likewise, the trust of the muzakki in the professionalism displayed in BAZNAS, such as technology, conditions and adequate facilities will make the muzakki more comfortable in distributing their zakat to BAZNAS because they have met the criteria according to their expectations.
The Legitimation of Religion in Profit Seeking: The Role of National Shari‘āh Division of The Indonesian Muslim Council (DSN-MUI) Izmuddin, Iiz; Amalia, Euis; Nasir, Mohamad Abdun; Muttaqin, Farid
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 7, No 2 (2023): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v7i2.15835

Abstract

Religious legitimacy is a potent means of achieving one's objectives, including the pursuit of economic benefits. This is how Islamic financial institutions employ the fatwa of the National Sharia Council (DSN-MUI) in their operations. Nonetheless, this objective is often in conflict with the noblest religious ideals of justice, equality, and humanity. This paper aims to explain how the DSN-MUI fatwa acquires religious legitimacy, as well as the repercussions of granting this legitimacy to the public that utilizes Islamic financial institutions. The collected data consists of the texts of DSN-MUI fatwa from 2000 to 2021 as well as the results of interviews with DSN-MUI practitioners of Islamic economics, and pertinent academicians. The data is then descriptively and critically analyzed. The findings of the study suggest that there are three fatwa issued by the DSN-MUI that legitimize profits gained by Islamic financial institutions. However, this method may violate significant religious norms. This paper also concludes that competition between conventional and Islamic financial institutions is a significant factor in the emergence of this legitimacy.
Analisis Literasi Inklusi Keuangan Syariah Pada Guru Pondok Pesantren Di Kota Bukittinggi (Studi Kasus Pada Pondok Pesantren Modern Al-Ma’arif, H. Muhammad Nadis, Dan Bai’aturridwan) Amelia, Tisa; Izmuddin, Iiz
Jurnal Ilmiah Global Education Vol. 6 No. 1 (2025): JURNAL ILMIAH GLOBAL EDUCATION, Volume 6 Nomor 1, Maret 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i1.3584

Abstract

Sharia financial literacy is one of the important programs carried out by the government in order to improve the Indonesian economy in the future. This research aims to determine the level of sharia financial inclusion literacy among teachers at the Bukittinggi City Islamic Boarding School, with a sample size of 73 respondents, by conducting qualitative descriptive analysis. The author's background in discussing this title is because he sees that Islamic boarding schools as institutions or sharia-based institutions have sharia-based teachers who still lack sharia-based financial literacy and inclusion, so there are still many teachers who use conventional-based financial products rather than sharia-based ones.This research uses a qualitative approach using the Nvivo application using primary and secondary data. The analytical method used is a descriptive approach, namely identifying problems related to Islamic boarding schools currently facing using Nvivo analysis.The results of the research found that the results of the research that had been carried out on the teacher council at the Bukittinggi City Islamic Boarding School through interviews at the time of the research stated that the majority had understood sharia financial literacy because financial literacy had now been widely socialized and even some teachers already knew about sharia financial literacy. , it's just that knowledge about financial inclusion is still low
The Role of Islamic Economics in Managing Wealth and Curbing the Culture of Hedonism to Achieve Maximum Utility Eli Febriani; Yerna Wiza; Fofi Hanifa Seftiani; Ferdi Prayoga; Iiz Izmuddin
Proceeding of The International Conference on Business and Economics Vol 3 No 1 (2025): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbe-untagsmg.v3i1.2546

Abstract

The crazy rich phenomenon as a form of modern materialism and hedonism has poisoned the lives of the young generation of Indonesia in the current millennial era. They have been eroded by worldly pleasures. Tempted by the glamorous and luxurious lifestyle of the crazy rich, they are willing to show off their wealth that is not actually theirs. The purpose of this study is to determine wealth in the Islamic perspective. Qualitative research methods with a descriptive approach are sourced from literature study data. Wealth should be used for social interests, such as through zakat, alms, and fair economic activities. Islam emphasizes the importance of using wealth responsibly to meet basic needs and improve people's welfare, without forgetting simplicity as the main principle. Wealth must be obtained and used in a halal way, not for things that are in vain or violate sharia, and support the values of justice and blessings.
Concept of Wealth Circulation in Islam According to the Perspective of Islamic Economics Ferdi Prayoga; Kiki Razroma Yantika; Eli Febriani; Nurvina Hidayati; Iiz Izmuddin
Proceeding of The International Conference on Business and Economics Vol 3 No 1 (2025): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbe-untagsmg.v3i1.2548

Abstract

The concept of circulation in Islam is a holistic approach that considers various aspects of life, including economic, social, and spiritual dimensions. It emphasizes the importance of harmony and harmony in society, focusing on principles of amal, social justice, and ethical conduct. This approach encourages individuals to interact and interact with others, fostering harmony and unity in all aspects of life. circulation also encourages individuals to be innovative in addressing challenges, fostering innovation, and promoting cooperation. It also encourages a collaborative approach to social issues, fostering a sense of community and shared goals. By promoting collaboration and dialogue, society can adopt a more positive perspective, encourage innovation, and foster creative solutions. Circulation is a key aspect of the Islamic economic system, which aims to create a stable and harmonious society. It encourages individuals to contribute actively to the development of society and contribute to the development of the future. The system also encourages individuals to share their experiences and unique experiences, fostering a sense of community and fostering innovation.
Between Lifestyle and Financial Responsibility: The Moderating Effect of Financial Imprudence in Islamic Higher Education Contexts Perdana, Indri; Iiz Izmuddin
SKeTsa Bisnis (e-jurnal) Vol 12 No 1 (2025): Sketsa Bisnis
Publisher : Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/jsb.v12i01.6366

Abstract

Introduction: This study aims to examine the influence of lifestyle on personal financial management, with financial imprudence serving as a moderating variable. The focus is on students at Islamic State Higher Education Institutions (PTKIN) in West Sumatra, where increasing consumer behavior raises concerns about financial discipline among young adults. Method: A quantitative survey method was employed, with data collected through a Likert-scale questionnaire distributed via Google Forms. The population consisted of PTKIN students in West Sumatra. A total of 288 responses were collected, with 271 valid after data screening. Sampling was conducted using the Rao Purba formula. Data were analyzed using the Warp Partial Least Squares method through WarpPLS 7.0 software. Result: Findings indicate that lifestyle has a positive and significant effect on personal financial management (p-value = 0.056 < 0.05). Additionally, financial imprudence moderates the relationship between lifestyle and financial management, as evidenced by an interaction coefficient of 0.080. While the moderating effect is statistically significant, it is relatively small in magnitude.Conclusion: Lifestyle significantly shapes how individuals manage their personal finances. A more balanced lifestyle tends to support better financial practices. Furthermore, financial imprudence—as a reflection of excessive or wasteful spending—can either strengthen or diminish this relationship, suggesting its critical yet nuanced role in financial behavior dynamics.
Analisis Strategi Pemasaran KPR Subsidi di BTN Syariah Kcp Bukittinggi Safira, Fadilla; Zuwardi, Zuwardi; Izmuddin, Iiz; Alfin, Aidil
Indonesian Research Journal on Education Vol. 5 No. 5 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i5.3384

Abstract

Artikel ini dilatarbelakangi BTN Syariah merupakan salah satu bank syariah yang menawarkan produk KPR Subsidi. Namun, produk KPR Subsidi ini tidak hanya ditawarkan oleh BTN Syariah saja, melainkan juga bank-bank pesaing lain. Hal ini menyebabkan persaingan yang ketat dipasar KPR Subsidi sehingga membuat BTN Syariah Bukittinggi perlu meningkatkan keunggulannya. Dan juga masyarakat berpenghasilan rendah (MBR) mengalami kesulitan membeli kebutuhan dasar berupa hunian yang layak secara langsung melalui pembelian tunai. Penelitian ini bertujuan untuk menganalisis strategi pemasaran KPR Subsidi yang dapat diterapkan di BTN Syariah Bukittinggi. Serta untuk mengetahui sejauh mana penerapan prinsip-prinsip syariah dalam strategi pemasaran di BTN Syariah Bukittinggi. Jenis penelitian yang penulis gunakan adalah penelitian lapangan dengan menggunakan metode penelitian kualitatif. Data dikumpulkan melalui wawancara, observasi langsung, dan dokumentasi. Data yang dikumpulkan dianalisis menggunakan metode Analisis SWOT, Analisis Matrik internal Factor Evaluation (IFE) dan Matriks Eksternal Factor Evaluation (EFE), Matriks SWOT serta Bobot Skor. Hasil penelitian ini menunjukkan bahwa strategi yang paling tepat digunakan dalam analisis strategi pemasaran KPR Subsidi di BTN Syariah Bukittinggi adalah strategi S-O (Strenght-Opportunities) dengan bobot tertinggi yaitu 3,90 dimana memaksimalkan kekuatan internal untuk memanfaatkan peluang yang ada. Serta BTN Syariah kcp Bukittinggi telah menerapkan semua prinsip-prinsip syariah dalam setiap aspek pemasaran produknya seperti, prinsip tauhid, keadilan, bebas riba, menghindari gharar dan maysir, kejujuran, amanah dan tanggung jawab.
Exploratory Factor Analysis of Regional Economic Development Indicators in Indonesia : A Maqasid Al-Shariah Approach Elvira, Rini; Izmuddin, Iiz
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.8876

Abstract

Purpose: This study aims to identify the factor structure of regional economic development indicators in Indonesia using Exploratory Factor Analysis and map them into the five dimensions of maqasid al-shariah, namely the protection of faith (din), soul (nafs), intellect (aql), offspring (nasl), and property (mal).Design/methodology: This research uses an explanatory quantitative approach with Exploratory Factor Analysis (EFA) technique on panel data of 34 provinces in Indonesia during the period 2017-2023.Findings: This study found that 12 out of 18 indicators of regional economic development in Indonesia have represented the five dimensions of maqasid al-shariah. This finding was obtained through exploratory factor analysis (EFA) with Promax Rotation, where all indicators had factor loading values ≥ 0.5. This finding confirms the validity of the factor structure as well as its compatibility with the maqasid al-sharia approach.Practical Implication: This study emphasizes the integration of maqasid al-shariah into regional development, ensuring a balance between material and non-material welfare. The framework supports policymakers in reducing disparities and promoting inclusive and sustainable growth.Originality/Value: This research offers a new approach in mapping conventional economic development indicators into the maqasid al-sharia approach through the EFA method, which has not been widely done in shariah economic development studies in Indonesia.
Analysis of the Behavior of Palm Sugar Producers According to the Perspective of Islamic Economics in Jorong Harapan Rakyat, Nagari Cubadak, Dua Koto District, Pasaman Regency Guspita, Dinda Ayu; Rusyaida, Rusyaida; Basir, Gusril; Izmuddin, Iiz
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12648

Abstract

Penelitian ini dilatarbelakangi oleh fenomena yang terjadi pada produsen gula aren di Jorong Harapan Rakyat, Kenagarian Cubadak, Kecamatan Dua Koto, Kabupaten Pasaman, di mana beberapa produsen mencampur gula aren dengan gula rafinasi dan melakukan penimbunan. Praktik tersebut bertentangan dengan prinsip ekonomi Islam. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui observasi, wawancara, studi dokumen, dan dokumentasi. Temuan penelitian menunjukkan bahwa perilaku produsen gula aren belum sepenuhnya selaras dengan nilai-nilai ekonomi Islam. Produsen belum menerapkan prinsip kejujuran, keadilan, kemauan bebas, dan tanggung jawab. 
ANALISIS EFEKTIVITAS PENGGUNAAN E-WALLET (OVO) DALAM PEMBAYARAN DIGITAL BAGI MAHASISWA PRODI PERBANKAN SYARIAH UIN BUKITTINGGI Anisa Rama Putri; Iiz Izmuddin
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 03 (2025): Volume 11 No. 03 September 2025 In Order
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i03.8402

Abstract

The background of the author discussing this is because along with the development of the increasingly modern era, it has an impact on the development of increasingly sophisticated technology, thus requiring humans to follow the developments that occur. The use of technological developments in the economy in this modern era can be seen in the development of businesses that are currently penetrating the online system, and also occurs in the payment system, one of which is the non-cash payment system through an electronic wallet. The purpose of this study is to analyze the effectiveness of using E-Wallet (OVO) in increasing the efficiency of financial transactions. to determine the role of security and privacy in increasing the effectiveness of using E-Wallet (OVO). This study uses a qualitative method. The results of this study indicate that the Effectiveness of Using E-Wallet (OVO) in Digital Payments for Islamic Banking Study Program Students at UIN Bukittinggi is effective in increasing the efficiency of user financial transactions because transactions using E-Wallet (OVO) are very easy, besides that transactions using E-Wallet (OVO) also have a good security and privacy system so that it can increase user trust in E-Wallet (OVO).
Co-Authors Afri Tia Deftiana Al-Amin Al-Amin, Al-Amin Alfin, Aidil Amelia, Tisa Amsah Hendri Doni Andriawan, Andriawan Anggi Setya Prayoga Anisa Rama Putri Anne Putri Asyari Asyari Asyari Asyari Asyari Asyari Awaluddin Awaluddin Awaluddin Awaluddin Basir, Gusril Benediktus Rolando Deria, Monica Desi Derlan, Selfiah Efendi, Diah Ayu Sri Wanda Eli Febriani Elvi Nasriandani Euis Amalia Fahmi Sulaiman Farid Muttaqin, Farid Febri Rahmita Febriani, Ridha Fauzana And Winda Ferdi Prayoga Fikri, Devisa Amalia Fofi Hanifa Seftiani Guraida, Guraida Guspita, Dinda Ayu Gusril Bashir Gusril Basir Hadi Subeno Hardiansyah Padli Hesi Eka Puteri Hidayatul Arief Illahi, Ilham Indri Perdana Irvan Nanda Kiki Razroma Yantika Loso Judijanto Maisaroh Maisaroh Meisy Melani Mesis Rawati Mita Mita Mohamad Abdun Nasir Nanda, Irvan Nurafni Sofya Nursya’diah Nursya’diah Nurul Nasriah Nurvina Hidayati Pendi Hasibuan Perdana, Indri Purwaningsih, Selvi Rahayu Ningsih Rahma Detik Kuriningsih Rahmat Rahmat Ramadani, Uci Rezkina Hayati Rika Widianita Rina Anggraini Rini Elvira Rohman, Ahmad Fadlu Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida, Rusyaida Safira, Fadilla Sari, Oktri Lola Vewi Julita Wewis Gilang Sari Widi Nugraha Widia Sukra Yenty Astari Dewi Yerna Wiza Yuwarman Mansur Zulkarnaen Zulkarnaen Zuwardi Zuwardi ZUWARDI, ZUWARDI